125. Luxury Life Upgrades WITHOUT Breaking the Bank

Send us a textWe’ve all copied money advice we thought would make us rich — but what if it’s actually keeping you broke?In this episode, Kia is joined by Kennie Bukky, finance expert and money strategist, to separate the smart moves from the scams. From the worst financial advice that still goes viral, to the habits that quietly build wealth over time, Kennie is here to cut through the noise.💡 We get into:The biggest money myths keeping Gen Z and Millennials brokeWhy “looking rich” and being rich are two completely different thingsThe simple money changes that instantly improve your financesHow to filter financial advice when everyone online claims to be an expertThe 3 things you should prioritise with money in your 20sPlus, we play Rich or Ridiculous, debating everything from Buy Now Pay Later to quitting your job to become a content creator.This episode will make you rethink the money moves you copy, helping you finally start building wealth on your own terms.Support the showFOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]

Send us a textForget what you’ve heard — apprenticeships aren’t just for people who “couldn’t get into uni.”In this episode, Kia sits down with Elijah, founder of The Black Apprentice Network, to break down the truth about degree apprenticeships, why they deserve way more respect, and how they can set you up for success — without £30K of student debt.We get into: 💡 The biggest myths about apprenticeships (and why they’re wrong) 💡 The hidden benefits no one talks about — from networking to early career wins 💡 Whether uni is oversold to young people in 2025 💡 The real career progression after an apprenticeship 💡 Why more schools need to talk about apprenticeships like they talk about UCASWhether you’re picking your post-school path or thinking about a career switch, this conversation will make you look at apprenticeships in a whole new light.👇 Question for you: If you could go back, would you choose uni, an apprenticeship, or something else entirely?🎧 Subscribe for more unfiltered conversations on money, culture & careers.Support the showFOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]

Send us a textIn this episode, we’re joined by Elvire Matu, aka SaveWithElvs, the go-to plug for money-saving hacks, smart spending tips, and real-life cheat codes for surviving (and thriving) in 2025.From travel deals and cashback apps to lifestyle traps and common money leaks, Elvire is breaking down how to stretch your cash without shrinking your lifestyle.💡 We cover:The biggest spending mistakes people make without realisingThe apps and browser hacks Elvire swears byHow to afford more without earning moreWhether £10 coffees, girl math, and soft life spending are actually that deepHow to still live well when the cost of living is costing your whole paycheckPlus, she shares the one money move she’ll never regret — and the one she’d absolutely bin if she could go back.If your bank balance resets to £0 by the 15th of every month, this episode is your sign!Support the showFOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]

Send us a textIn this episode, writer, financial educator and all-around gem Anna Brading joins Kia to unpack the real link between money and confidence, why financial advice often leaves women behind, and what it actually takes to rewrite your money story in your 20s and 30s.From early money trauma to navigating imposter syndrome and building a life on your own terms, Anna shares the lessons she’s learned and the bold decisions that changed everything.We talk about:Why your confidence shouldn’t depend on your bank balanceThe quiet financial decisions that actually build freedomOwning your story, even when it feels messy or lateWhat inspired Anna’s new book 'Money Mentor' — and how it redefines successWhether you’re in your broke era, healing era, or boss era — this one’s for you.Support the showFOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]

Send us a textIn this episode of Pennies to Pounds, Kia unpacks what it really means to enjoy life without sabotaging your financial future. Forget the old-school advice about constant sacrifice — this one’s about balance, strategy and enjoyment.Here’s what you’ll get:Smart ways to enjoy luxury on a budget (yes, including travel)The spending hack that keeps guilt out of your purchasesWhy a little planning goes a long way with flights, hotels and upgradesHow to make your lifestyle work for your money, not against itLearn how to build wealth and live well.Support the showFOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]

Send us a textThe finance world is being transformed by artificial intelligence, with 73% of Gen Z and millennials now trusting AI more than human financial advisors to manage their money. This episode explores how AI can work for you rather than replace you.APPS MENTIONED:Cleo - https://web.meetcleo.com/Emma - https://emma.to/kiacommodorePlum - https://friends.withplum.com/r/x92P009iFMFreetrade - https://magic.freetrade.io/join/kia/07e18a08Moneybox - https://www.moneyboxapp.com/Pennies To Pounds AI Money Coach - https://stan.store/penniestopounds/p/your-ai-money-coach--by-pennies-to-poundsIf you're interested in trying AI-powered financial tools or have questions about which ones might work best for you, DM us @penniestopoundspod for personalised recommendations.Support the showFOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]

Send us a textThis episode features an entrepreneurial journey filled with financial challenges, moments of doubt, and unexpected breakthroughs that keep dreamers moving forward. Priscilla shares her personal story of building a children's book series while balancing financial struggles and maintaining faith in her vision.We discuss:Turning something you love into a business can bring unexpected challenges that make it harder to enjoy at firstMoney problems can be challenging to handle and can seriously affect your mental healthKey moments and the right people can completely change the direction of your businessThe importance of reaching out and connecting with others, even when success feels far awayBuilding something that lasts takes time, patience, and a lot of hard work.Sometimes, just one person believing in your actions is enough to keep you going.If you enjoyed this episode, follow The Anaiyah Series on Instagram at @theanaiyahseries or visit theanaiyahseries.com to learn more about Priscilla's children's books and upcoming animation series.• Purchase 'How To Handle Money' - https://amzn.eu/d/gjomK0TSupport the showFOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]

Send us a textIn this episode, we’re diving deep into why financial protection is non-negotiable and how to safeguard your future with the right insurance. We’ll break down key areas like income protection, life insurance, and critical illness coverage so you can make informed choices about your financial security.Here’s what we’re unpacking:Why the unexpected can happen anytime, and how to be prepared.The importance of income protection and how it keeps you covered if things go wrong.What life insurance does and why it’s essential, even if you think you’re too young.Why critical illness cover is a game-changer — and why everyone needs it.Busting common myths about insurance that could cost you down the line.Tips on how to find the right financial advisor or broker to guide you through the process.Ready to protect your future? For more personalised advice, contact Adrian Benjamin for a free consultation on social media.FOLLOW ADRIAN:💰 Instagram: https://www.instagram.com/adrian1b1/💰 LinkedIn: https://www.linkedin.com/in/adrian-benjamin-cemap/💰 Facebook: https://www.facebook.com/profile.php?id=61556540363988Support the showFOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]

Send us a textIn this episode, we’re exploring Cashblack, a game-changing cashback platform supporting Black-owned businesses and fostering community growth.We explore the platform’s origins, born from a pivotal social moment, and how it’s changing how we shop while empowering communities. You’ll hear about how Cashblack works, what makes it stand out, and the innovative strategies behind building trust with users and established brands.Key highlights include:• The origin story of Cashblack and how it came to life during a key social moment• A breakdown of how Cashblack works and its unique selling points• The power of trust-building through strategic partnerships• The challenges Cashblack has faced on its entrepreneurial journey• The vital role of community feedback and engagement in shaping the platform• Exciting upcoming features and plans for expanding the Cashblack experienceThis episode is packed with insights into how one platform makes a real difference and paves the way for future growth and economic empowerment.Support the showFOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]

Send us a textIn this episode, we explore the benefits of automating your finances and focus on the mindset shifts needed to embrace this approach. Laura Ann Moore, a money mindset expert, shares insights on the emotional hurdles surrounding financial automation and practical steps listeners can take to create a healthier relationship with money. We cover:• Understanding the concept of money on autopilot • Importance of mindset when managing finances • Overcoming fear of losing control through automation • Steps to set up (and revisit) automation effectively • Encouraging open money conversations in relationships • Embracing a positive financial mindset for long-term successSupport the showFOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]